OK Gang
In continuing to search I found this:
https://provideocoalition.com/cmg_keyframes/story/cmg_hidden_gems_chapter_11_all_about_track_mattes/
Adding the LAYER STYLE > DROP SHADOW onto the layer that I’ve applied the LUMA MATT to was the quick answer for me.
Hopefully it will help you as well.
Thanks.
–Kellie